Maruti Ertiga car insurance plans at just ₹238/month*
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Up to 90% Discount*
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11,000+ Network Garages*
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Buy, Renew & Claim on Self-i
Maruti Ertiga Car Insurance
The Maruti Ertiga has been more than just a car for Indian families. It has been a reliable companion in their everyday journeys. With its spacious seven-seater build and efficient performance, it has been the preferred pick for those who value comfort. From young parents who need extra space for strollers to joint families planning long drives, the Ertiga appeals to people who see a car not just as a vehicle, but as a part of their family life.
Ertiga’s spacious interiors and ample luggage room make road trips as enjoyable as the destination itself. But long drives often mean long hours on the road, increasing the risk of sudden breakdowns or small accidents. That’s when having reliable car insurance makes a difference. It acts as a quiet safeguard, stepping in whenever you need support.
IndusInd General Insurance understands the need for such reliability and offers car insurance plans that are designed to keep pace with your lifestyle and driving needs. With quick claim approvals and the ease of managing everything through the Self-i app, you can count on support exactly when you need it. Just as your Ertiga takes care of your family on the road, we make sure it stays protected at every step, so your focus remains on the people and moments that matter most.
At IndusInd General Insurance, we understand that owning a Maruti Ertiga is about more than just driving. It’s about managing the little uncertainties that come with daily use. That’s why our strong claim record and customer-first support make sure you’re never left without help when you need it most.
Why Do You Need Maruti Ertiga Insurance?
Legal Compliance
Driving without insurance can attract fines of ₹2,000 to ₹4,000* or even jail for 3 months. Insuring your Ertiga isn’t just mandatory, it protects your vehicle and investment. Whether you use your Ertiga for family trips or daily commute, having valid coverage keeps you legally compliant and financially secure against unexpected mishaps.
Covers Repair Costs
Frequent trips, school runs or weekend drives can take a toll on your Ertiga, leading to minor accidents or mechanical wear. Even routine maintenance can add up and cost over ₹30,000. Comprehensive insurance helps cover both minor repairs and major damage, ensuring your Ertiga is always ready for the road.
Theft Protection
With the Ertiga being a highly valued vehicle, it’s important to secure your investment. Having car insurance covers the IDV (Insured Declared Value) and, with a Return to Invoice add-on, helps recover the car’s original purchase price. This ensures you’re financially protected if your vehicle is ever stolen.
Natural Disaster Cover
Monsoons, floods or storms can damage your Ertiga’s engine and electronics, especially during deliveries or long drives. A comprehensive plan with the Engine Protect add-on shields your vehicle from water, storm or natural disaster damage, reducing costly repairs while ensuring your car remains functional year-round.
Fire Damage Cover
Electrical faults or fuel leaks, though rare, can cause fires and major damage. Commercial use slightly increases this risk. Having car insurance protects against fire-related incidents, covering repair or replacement costs so you don’t bear heavy financial losses after an unexpected accident.
Network Garage Access
Our authorised service network with over 11,000 garages ensures repairs with genuine parts, even in smaller towns. With 24/7 access to trusted workshops, you get professional, reliable and high-quality service whenever needed. This ensures your Ertiga stays in top condition and helps prolong its performance and life.
Types of Maruti Ertiga Car Insurance Plans
Comprehensive Car Insurance
This plan covers almost all situations your Ertiga may encounter, from minor scratches in city traffic to accidents on long drives. Repairs for both your car and the other vehicle are included. You can also customise your plan with add-ons like engine protection or roadside assistance for added protection.
Pay As You Drive Car Insurance
With this plan, your premiums depend on how much you drive, with yearly limits from 2,500 to 10,500 kilometres with a 125 km grace buffer*. If your Ertiga is mostly used for weekend family trips or occasional errands, this plan saves money. Plus, unused kilometres can be carried forward to the next year, and extra km can be added anytime if your travel increases.
Third Party Car Insurance
Legally required for all car owners, this plan covers damage or injury you may cause to others. It protects you from the costs of repairing another vehicle or property and from potential medical expenses in case of injury. You can choose long-term coverage options that range from 1 to 3 years, helping reduce the need for frequent renewals.
Own Damage Car Insurance
An ideal pair for an existing third-party policy, this standalone policy covers your Ertiga. You can choose short-term coverage for risky seasons like monsoon or floods or long-term plans up to a year. It gives flexibility to pay only for the period you actually need protection, making it convenient for everyday use or occasional travel.
Our Maruti Ertiga insurance plans come with practical features designed for real-world usage. From instant claim filing through the IndusInd Self-i app to extensive garage networks, we offer everything you need. These features are specifically chosen to support Ertiga owners in their daily driving and business activities.
Disclaimer: Please refer to the official policy documents for detailed information.
Disclaimer: Please refer to the official policy documents for detailed inclusions and exclusions.
Protect your Maruti Ertiga with the right insurance
Whether it’s daily commutes or family trips, stay secure on the road every time.
Maruti Ertiga Car Insurance Add-On Covers
Your Ertiga is your daily partner for office runs, grocery trips and road journeys. These add-ons help ensure your car gets targeted coverage based on your needs and covers gaps that basic car insurance may fall short.
Nil Depreciation
Money Saver
You get a full claim on the repair or replacement of your Ertiga’s parts without deductions for depreciation. It is ideal when accidental repairs involve bumpers or fibre components, saving you big repair costs.
Pay As You Drive
Money Saver
Your premiums are based on how much you drive your Ertiga in a year. It is the perfect fit for occasional drivers or those who have multiple vehicles. You can choose between 2,500 to 10,500 kilometres annually.
Return to Invoice
Money Saver
We ensure that if your Ertiga is stolen or completely damaged, you receive the full invoice value, including taxes and registration. This helps you get the entire amount you originally paid to get your Maruti Ertiga.
Engine & Gearbox Protection
Extra Car Protection
Waterlogging during monsoons or oil leaks can cause heavy engine damage in your Maruti Ertiga. This add-on covers such costly engine and gearbox repairs, which are usually excluded from standard car insurance plans.
Car Tyre Protection Cover
Extra Car Protection
Your Ertiga's tyres can get damaged from potholes, bad roads or long highway drives. This add-on pays for repair or replacement when tyres burst, bulge or get cuts, saving you from sudden out-of-pocket expenses.
Key & Lock Replacement
Extra Car Protection
Your Ertiga’s smart keys and locks are expensive to replace. This add-on covers loss, theft or damage to your car’s keys and locks, ensuring you don’t have to bear the high replacement costs at authorised workshops.
Consumable Expenses
Money Saver
During repairs or regular maintenance, the cost of engine oils, fluids, nuts and bolts can add up and lead to hefty bills. This add-on covers the cost of such consumables, ensuring your Ertiga’s upkeep doesn’t come with unexpected high bills.
RIM Protection
Extra Car Protection
Your Ertiga's rims can easily get scratched or bent from potholes, rough roads or accidental scrapes. Since rims are costly to repair or replace, this add-on covers those expenses and ensures you don’t have to pay out-of-pocket for sudden damage.
Roadside Assistance
Extra Car Protection
We all know that breakdowns never come announced. Whether you’re stuck on a busy city street or stranded on a long highway drive, with this add-on, you get 24/7 support with towing, tyre changes, fuel delivery and even on-site repairs
Personal Belongings
Extra Car Protection
Theft of personal items like laptops, bags or gadgets from your locked Ertiga can cause heavy financial loss. With this add-on, you get compensation for stolen valuables worth above ₹5,000*, ensuring that your essentials are always protected.
Daily Allowance Benefit
Money Saver
When your Ertiga is in the garage for repairs for more than three days, travel costs can quickly add up. This cover gives a cash allowance each day to help manage extra commuting, so you’re not stuck paying out-of-pocket until your car is back.
EMI Protection Cover
Money Saver
Repairs that stretch for weeks can disturb your budget, especially if you’re managing car loan EMIs. This add-on covers your EMIs if repairs on your car take 21, 42 or 63 days*, helping keep your finances steady while your Ertiga is off the road.
No Claim Bonus Retention Cover
Money Saver
Normally, raising even a single claim in a year reduces your No Claim Bonus and increases next year’s premium. This cover ensures that claims (up to 2 per year*) do not affect your renewal discount, helping you continue enjoying savings even after a claim.
Standard OPD Cover: These plans typically cover basic out-patient expenses such as doctor consultations, diagnostic tests, and medicines.
Electrical Accessories Cover
Extra Car Protection
If you’ve added extra electrical fittings like a GPS unit, music system or parking sensors to your Ertiga, this add-on protects them from theft or accidental damage. It ensures that your upgrades remain covered just like the standard car parts.
Non-Electrical Accessories Cover
Extra Car Protection
Many Ertiga owners customise their cars with seat covers, alloy wheels or bumper guards. This cover extends protection to these modifications, so your investment in making the car more comfortable or safe doesn’t go to waste after damage or theft.
Geo Extension Cover
Adventure & Travel
For families that love road trips beyond Indian borders, this add-on extends your Ertiga’s coverage to nearby countries like Nepal, Bhutan and Sri Lanka. Whether it’s a vacation or a cross-border drive, you can travel with confidence knowing your car is still protected.
Disclaimer: The list of add-ons provided under your plan and the coverage limits provided under each add-on are subject to change based on your chosen policy. You can find the full list of add-ons with the most up-to-date coverage limits linked here.
Factors Affecting Maruti Ertiga Car Insurance Premium
The cost of insuring your Maruti Ertiga depends on several key factors. From your car’s age and model to your driving habits and add-on covers, each element can influence your premium. Knowing what affects your insurance helps you choose the right coverage and manage costs effectively while keeping your Ertiga protected.
Your Maruti Ertiga's IDV
The Insured Declared Value (IDV) of your Ertiga largely decides your premium. A higher IDV, often for newer models, means a higher premium. This is because insurers need to cover a greater financial risk. Older Ertiga models, with lower market values, naturally cost less to insure.
Car's Make and Model
The Ertiga’s strong reliability and easy availability of spare parts help keep insurance costs reasonable. Different variants, like the 5-seater or 7-seater, may have slightly different premiums based on features and repair costs.
Type of Coverage
Comprehensive insurance covers damage to your Ertiga as well as other vehicles or property, giving you full protection in case of accidents. Third-party insurance is cheaper but only covers damage caused to others, so your own vehicle remains unprotected.
Add-On Covers
Extra covers like zero depreciation or engine protection may increase your premium, but they are worth it as they reduce out-of-pocket expenses during repairs or claims. For Ertiga owners who drive often or take long trips, these add-ons offer valuable extra protection.
Claim History
If you haven’t made any recent claims, you can get a No Claim Bonus, a form of reward that lowers your premium for being a careful driver. On the other hand, multiple recent claims may signal a higher risk to insurers, which can increase your premium.
Adding Anti-Theft Protection to Your Car
Installing security features like GPS trackers, alarms, or steering locks makes your Ertiga less likely to be stolen. Insurers often reward these safety measures with lower premiums, giving you better protection at a reduced cost.
Insure the Best Parts of Your Maruti Ertiga Car
Disclaimer: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline.
Maruti Ertiga - Models and Prices
The Maruti Ertiga comes in different variants with varying features and price points to target different customer needs. Different car models have different features that can affect how much you pay for insurance and what type of coverage you need.
Model Variant | Engine & Fuel | Ex-Showroom Price (₹) [Sep 2025] |
|---|---|---|
Ertiga LXi MT | 1462 cc Petrol | ₹8,96,500 |
Ertiga VXi MT | 1462 cc Petrol | ₹10,05,500 |
Ertiga VXi CNG | 1462 cc CNG | ₹11,00,49 |
Ertiga ZXi MT | 1462 cc Petrol | ₹11,15,500 |
Ertiga VXi AT | 1462 cc Petrol | ₹11,45,500 |
Ertiga ZXi+ MT | 1462 cc Petrol | ₹11,85,500 |
Ertiga ZXi CNG | 1462 cc CNG | ₹12,10,501 |
Ertiga ZXi AT | 1462 cc Petrol | ₹12,55,500 |
Ertiga ZXi+ AT | 1462 cc Petrol | ₹13,25,500 |
Disclaimer: The prices mentioned are subject to change based on your city of residence, car model, variant, year of purchase and the dealership you are buying your car from. The prices mentioned above have been taken from this source.
Key Takeaways
The Maruti Ertiga has been India’s favourite MPV for more than 10 years, trusted by lakhs of families across the country. In July 2025, it proved its popularity yet again with 16,604 units sold, making it the best-selling MPV in India. Families love the Ertiga because it offers a spacious 7-seater cabin, smooth performance for city drives and highways and excellent mileage of 20+ km/l, which keeps running costs low. Its modern design and strong resale value make it a smart choice year after year.
Safety is another big reason why people trust the Ertiga. With dual airbags, ABS with EBD and Maruti’s HEARTECT platform, it keeps passengers safe on every trip. But since today’s cars come with advanced interiors, safety systems and stylish exteriors, repair costs after an accident, natural disaster or even a small breakdown can be high.
This is why IndusInd offers Comprehensive Car Insurance plans designed to match the needs of Ertiga owners. From instant claim settlement through the Self-i app video streaming feature to a quick claim survey within 24 hours, everything is built for convenience. In case of a breakdown, you get prompt assistance along with free towing at any of our 11,000+ network garages across India. Plus, our 99.57% claim settlement ratio* ensures you don’t have to worry about delays, while 24/7 customer support is always there to help. With premiums starting as low as ₹238 per month* IndusInd’s plans make it affordable to keep your Ertiga fully protected for the long-term.
IndusInd General Insurance
Car Insurance Made for Your Ertiga
Keep your Maruti Ertiga protected from unexpected damage, theft and more, with coverage tailored to your car’s needs.
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